Page 17 - American Advisors Group Benefit Guide 2_NonCA

EMPLOYEE BENEFITS 17

BASIC LIFE & VOLUNTARY LIFE INSURANCE PLANS

BASIC LIFE INSURANCE

Offered through Cigna
AAG provides all eligible employees with Basic Life and AD&D coverage, which includes Cigna Secure Travel and Identity Theft Protection
for you and your family. To confirm your benefit level please contact your Human Resources Department.

VOLUNTARY LIFE INSURANCE

Eligible Employees who want to supplement their Basic Life insurance benefits may purchase additional coverage. When you enroll yourself
and/or your dependents in this benefit, you pay the full cost through semi-monthly payroll deductions.

COVERAGE GUIDELINES EMPLOYEE SPOUSE CHILD(REN)
Minimum $10,000 $5,000 $2,000
5X annual salary up to a maximum of 100% of employee’s benefit up to 100% of employee’s benefit up to
Maximum
$500,000 $100,000 $10,000
Guarantee Issue 5X annual salary up to $150,000 100% of employee’s benefit up to 100% of employee’s benefit
Amount $50,000 up to $10,000
*child(ren) 14 days to 26 years of age

Your premium amount is found in the box where the row (your age) and the column (benefit amount) intersect.

EMPLOYEE PREMIUM TABLE (PER PAYCHECK)
$10,000 $20,000 $30,000 $40,000 $50,000 $60,000 $70,000 $80,000 $90,000 $100,000

0-29 $0.55 $1.10 $1.65 $2.20 $2.75 $3.30 $3.85 $4.40 $4.95 $5.50
30-34 $0.60 $1.20 $1.80 $2.40 $3.00 $3.60 $4.20 $4.80 $5.40 $6.00

35-39 $0.70 $1.40 $2.10 $2.80 $3.50 $4.20 $4.90 $5.60 $6.30 $7.00

40-44 $0.95 $1.90 $2.85 $3.80 $4.75 $5.70 $6.65 $7.60 $8.55 $9.50
45-49 $1.50 $3.00 $4.50 $6.00 $7.50 $9.00 $10.50 $12.00 $13.50 $15.00

50-54 $2.35 $4.70 $7.05 $9.40 $11.75 $14.10 $16.45 $18.80 $21.15 $23.50

55-59 $3.55 $7.10 $10.65 $14.20 $17.75 $21.30 $24.85 $28.40 $31.95 $35.50

60-64 $5.45 $10.90 $16.35 $21.80 $27.25 $32.70 $38.15 $43.60 $49.05 $54.50
65-69 $9.65 $19.30 $28.95 $38.60 $48.25 $57.90 $67.55 $77.20 $86.85 $96.50

70-74 $17.10 $34.20 $51.30 $68.40 $85.50 $102.60 $119.70 $136.80 $153.90 $171.00

75-79 $28.10 $56.20 $84.30 $112.40 $140.50 $168.60 $196.70 $224.80 $252.90 $281.00
80+ $56.70 $113.40 $170.10 $226.80 $283.50 $340.20 $396.90 $453.60 $510.30 $567.00

*Not all employment categories are eligible for voluntary life insurance.

Guaranteed Coverage for Voluntary Life Insurance Coverage

Guaranteed Coverage Amount is the amount of coverage you can elect without answering any medical questions or taking a health
exam. Guaranteed Coverage is only available during your new hire waiting period. If you apply for coverage that is above the Guaranteed
Coverage Amount, or if you are applying for coverage after 31 days after you become eligible, you must fill out a Medical Evidence of
Insurability form. All dependent child benefits are guaranteed issue.